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For customers who have a SpendME, SaveME or HomeME account or Term Deposit.
For customers who have a SpendME, SaveME or HomeME account.
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Refinance to a ME digital home loan served with $3,000 cashback and a side of great rates.6 Available to owner occupiers and investors on all ME home loan products if you:
Take home up to 4.75% p.a. bonus interest.2
Save for your first home deposit, your next holiday, your dream car and more, sooner. With HomeME, you can earn up to 4.75% p.a.2 when you meet the monthly criteria. Find out more about HomeME.
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2. HomeME Account Bonus Interest terms and conditions. The Bonus Interest Rate applicable to your HomeME Account will apply: For each calendar month where: a minimum of $2,000 was deposited into your SpendME account in the previous calendar month from an External Account. The SpendME account to which money is deposited must be held in the same name (sole name account) or names (joint names account) as your HomeME account; and
If you don’t the above bonus interest condition you will receive variable base rate interest only, however in any month we may without notice waive the requirement for you to meet the condition. 6. ME Cashback terms and conditions. A $3,000 cash back offer is available on refinances of an existing home loan from another financial institution to ME Bank with a minimum new lending of $700,000 and a loan to value ratio (LVR) of up to 80%. To meet the minimum new lending amount, multiple or split refinance applications can be combined provided all combined lending is in the same customer’s name(s) and submitted at the same time This is a limited time offer, and applications must be received between 1 May 2026 to 28 August 2026 (inclusive) and must settle within 120 days of the loan application date. This offer is available to Owner Occupier and Investors on all ME home loan products. This offer is not available for Owner-Occupied loans with interest only repayments. Applications that include both a refinance and a property purchase as part of the same application will be eligible for this offer, provided all other eligibility criteria are met. One of the borrowers on the loan application must hold a SpendME transaction account prior to payment of the cashback. This offer is not available where any of the loan funds are for the refinance, restructure, switches, or top ups of home loans from ME or any other Bank of Queensland (BOQ) Group lender including BOQ, BOQ Specialist and Virgin Money (Australia). Only one cash back payment will be paid and any of the customers who have received a refinance cashback payment from within the BOQ Group within the last 12 months prior to the loan application date will be ineligible for this offer. The cash back amount will be paid within 60 days of loan settlement into a SpendME transaction account only, held by the borrower(s) on the application. Cashback will not be paid to a home loan account or any other account type. Applications are subject to credit approval. This cashback offer can be withdrawn or varied at any time.